topic Re: Cabela's Visa in Credit Cards

Cabela's Visa

Anonymous — Sat, 26 Apr 2008 10:52:19 GMT

Good Morning All,

Does anyone have any history with Cabela's? Are they easy to get? What do their starting credit limits look like?

WBLAKE

Re: Cabela's Visa

unknown_entity — Sat, 26 Apr 2008 12:36:40 GMT

I got one last week with a 651 EQ. I'm in Georgia...the starting CL was 3500.

Re: Cabela's Visa

Uniqua — Sat, 26 Apr 2008 12:46:53 GMT

WBLAKE, I don't have a Cabela's card but I do have a friend who works there. It appears they are pretty good with giving high CLs. And if you must know, as of 12/31/07, Cabela's was voted by consumers as the best store card to have.

If you don't have too many hard inquiries on your CR, go ahead and give it a shot.

Re: Cabela's Visa

Anonymous — Sat, 26 Apr 2008 14:21:43 GMT

Yep, I just got one last week as well. They pulled EQ, I live in TX and current EQ score at the time was 656 - they approved for a $3,000 CL.

Re: Cabela's Visa

Anonymous — Sat, 26 Apr 2008 18:33:52 GMT

How did you guys get your CL info? I asked the chat person and she said I had to wait until the card comes. Did you call them?

Re: Cabela's Visa

Anonymous — Sat, 26 Apr 2008 20:49:05 GMT

I called them since it had been about a week since my application and she told me it was approved, then gave me the CL. Also told me that if I wanted to use it this weekend at Cabela's while they were having some big sale, that I could go in and have the Cust. Svc desk pull my card number and I could use it now, before my card arrived.

Here's the number I used. 800-850-8402

Re: Cabela's Visa

Anonymous — Sat, 26 Apr 2008 21:22:18 GMT

Odd, I just called and they said they didn't have that info. Oh well. I'll wait.

Re: Cabela's Visa

Anonymous — Mon, 28 Apr 2008 00:53:49 GMT

I did get the 7 point dink on EQ for the inquiry. Ouch!

Re: Cabela's Visa

MJVBAK — Sat, 03 May 2008 00:07:16 GMT

I got a letter from the asking me to call an 800 #, I have to call back on Monday to speak with the "security department".

Is this on my way to being approved?

Do they only pull EQ?

Re: Cabela's Visa

Anonymous — Sat, 03 May 2008 05:47:10 GMT

I haven't seen my card yet or email or anything. Really curious as to what they approved for. I think they pretty much pull EQ from what I've seen.

Edit: SIC duh

Message Edited by contractor on 05-02-2008 10:47 PM

Re: Cabela's Visa

Anonymous — Mon, 05 May 2008 01:02:17 GMT

My pretty new Cabelas Visa was waiting for me when I came home from camping today. How appropriate!

3K limit, I had hoped for higher but I'll take it. Sent me a check for BT, cash out or whatever @ 9.9 for 6 months (shredded) and they do 9.99 on their transactions, 12.99 on others. 1 point reward for each dollar spent anywhere. 1000 points = 10 dollars in credit (1%). Double for Cabelas purchases (2%) Think that about explains it.

OH, OH, did I mention it's pretty, Nice sunset over a lake.

Edited: Because math is not my strong subject.

Message Edited by contractor on 05-04-2008 06:02 PM

Re: Cabela's Visa

Anonymous — Mon, 05 May 2008 01:00:50 GMT

is this cabela's the outdoor store..

i love their store but dont have one near me in alabama

Re: Cabela's Visa

Anonymous — Mon, 05 May 2008 01:04:02 GMT

Yep. I don't have one close either but their online selection in fabulous. I fish and camp so they are my Walmart.

Re: Cabela's Visa

Anonymous — Mon, 05 May 2008 01:32:50 GMT

oh really..hmmm what you were scores when you app'd and any baddies

Re: Cabela's Visa

Anonymous — Mon, 05 May 2008 01:53:04 GMT

They pull EQ. I had a 662 at the time I applied. BK7 in 2003, everything good since then, 1% util of revolvers, seven good accounts reporting, 3 inq of EQ prior to this.

Re: Cabela's Visa

MJVBAK — Mon, 05 May 2008 16:53:42 GMT

Called in, they did the "security verification," the woman that I spoke with said that my application was going over to the credit dept. and I would hear something in 7 - 10 days, sounds like a denial to me....

Re: Cabela's Visa

Anonymous — Tue, 06 May 2008 01:16:28 GMT

Dunno, your EQ is substantially better than mine and I have a PR. Should give you a card.

Re: Cabela's Visa

Anonymous — Tue, 05 Aug 2008 13:47:10 GMT

If you apply and get the 7-10 day message, you can call 1-800-552-7963 to get the status. Today a very nice rep told me you need at least a 640 EQ, so my app had been denied and passed along to WaMu for consideration. She said I could call 1-800-717-0685 to get the status on that one.

Re: Cabela's Visa

JJF — Sat, 04 Apr 2009 14:00:41 GMT

@Uniqua wrote:
Cabela's was voted by consumers as the best store card to have..

Totally confused. I had a Cabela's VISA that displayed on my credit report as WorldForemost Bank. Unfortunately, it got closed last year due to inactivity.

I have an LL Bean VISA card and an REI VISA card. I don't consider them store credit cards. I often read that FICO values a credit mix that includes store cards. My question is what is the difference between a store card and just another branded VISA card? Thanks.

Re: Cabela's Visa

haulingthescoreup — Sat, 04 Apr 2009 14:54:15 GMT

For scoring purposes, a store (or gas) card can only have the logo of the retail merchant --no Visa, MC, Discover, or AmEx. So you're correct, your LLBean and REI Visa cards are treated as bank cards for scoring purposes.

eta: I'm sure that the creators of the survey weren't thinking of this scoring distinction (or even knew, or cared) --they were discussing cards that bring benefits for particular stores. So in that sense, a Cabela's Visa would be considered a store card. Only in the strange little world of FICO scoring in which we live is it thought of as something different.

Message Edited by haulingthescoreup on 04-04-2009 07:54 AM